Pricing & Offers

24 Months Interest Free with Q

Ready to take action with your smile? Get the treatment you want today without the stress. Our 24 Months Interest Free with Q Offer, will help you finally have the happy, healthy smile you deserve.

Don't worry about paying the full cost of treatment upfront; with this great offer you will have two years to pay! Whether you're after a long-awaited cosmetic treatment or you need unexpected dental care, with this offer, we've got your back.

Our 24 Months Interest Free with Q Offer makes it possible for you to book in that dental treatment now and make your oral health a priority. This is a fantastic option for treatments over $300 at participating Lumino practices. 

About the offer

Our 24 Months Interest Free with Q Offer is available on full priced dental treatments $300 or more. With monthly payments of just 3% of your balance total from the first month, it's much easier to get treatment when you need it. Any Q Mastercard® or Q Card® holder is entitled to this offer.

With a wide range of treatments from cosmetic to leading edge and general dentistry, we’ve got you covered. This interest free offer is available at participating practices from 11 October 2021 until 30 April 2022. You will need to let the practice know you want to take up this offer when you book in.

How to use it

Once you've decided on the treatment you would like to use our 24 Months Interest Free with Q Offer on, let your participating Lumino practice know. The treatment must be over $300 total for you to use this offer.

If you are not a Q Mastercard or Q Card holder you can register online. Please note, you will be charged an account fee if your application is approved.


If your application is approved, an annual account fee of $50 applies - $25 applied to your account on opening and every 6 months thereafter. An establishment fee of $55 is charged when you open your account in-store and use Long Term Finance (such as the 24 Months Interest Free Offer). Standard Interest Rate, currently 25.99% p.a. applies to any outstanding balance at end of the interest free period. Lending criteria, fees, terms and conditions apply. Rate and fees correct as at date of publication, subject to change.

Learn more about Q Card® Fees & Charges

Please call the Q Mastercard Customer Support number on 0800 119 100.

You can apply for a QMastercard® by visiting, or apply at one of our selected Lumino practices.

Once you are in practice our friendly reception staff will guide you on how you can apply for your QMastercard online.

When you apply for a Q Mastercard you will need an accepted form of photo identification,  such as a driver's licence or a New Zealand passport. You will also need proof of your address, details of your income and financial details, your mobile number and email address and contact details for a friend or relative that doesn’t live with you.

You will need to make monthly payments (3% of your balance total) from the first month.

*Terms & Conditions

  1. 24 months interest free is available on Q Mastercard® and Q Card Flexi Payment Plans & Purchases for in-store purchases only at participating practices.
  2. Offer valid from 11 October 2021 to 30 April 2022.
  3. Offer​ is not available at Kidz Teeth, Hodgson and Muir Orthodontists​, Harish Lala Endodontist, Max and Beresford, Oral Surgery Associates, Bay Orthodontics, ​Courtney Orthodontics, Wellington Oral Surgery, Wellington Ortho, Nelson Prosthodontics, Christchurch Oral and Maxillofacial Surgery Centre, Ilam Orthodontics, Orthodontix, RJ Begg and Associates, Kieran O'Neil Orthodontics, Lumino Mobile Clinics.
  4. Minimum purchase $300 on a full priced dental treatment.
  5. A $55 Establishment fee applies for New Cardholders or a $35 Advance fee applies for Existing Cardholders.
  6. A $50 Annual Account fee applies.
  7. Minimum payments of 3% of the monthly closing balance or $10 (whichever is greater) are required throughout interest free period.
  8. Paying only the minimum monthly payments will not fully repay the loan before the end of the interest free period.
  9. Standard interest rate, currently 25.99% pa, applies to any outstanding balance at the end of the of the interest free period.
  10. Lending criteria, fees, terms and conditions apply.
  11. Rate and fees are correct at the time of publication but are subject to change.
  12. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
  13. The issuer reserves the right to amend, suspend or terminate the offer and these terms and conditions at any time without notice.
  14. This offer is only available on full price treatment – ie it can’t be combined with any other discount like Southern Cross or corporate discounts.